Legal claims defining the scope of protection, as filed with the USPTO.
2. The system of claim 1, wherein the virtual payment account is a credit-based payment account.
3. The system of claim 1, further comprising the processor of the first server system to determine that the digital credential information is stored on the user electronic device as part of authentication.
4. The system of claim 1, further comprising the first server system to receive, via the network interface, application data from the user electronic device in response to receiving an electronic application form via a component on the first server system.
5. The system of claim 1, wherein the digital credential information comprises a digital signature.
6. The system of claim 1, wherein the digital credential information is cryptographically secure.
7. The system of claim 1, further comprising the processor of the first server system to authenticate the user using the digital credential information during the transaction by verifying the digital credential information is from the first server system.
8. The system of claim 1, further comprising the processor of the first server system to establish the secure connection with a user electronic device using the network interface over the Internet using encryption incorporated into a browser.
10. The system of claim 1, wherein the network interface comprises circuitry for the connection for use with a TCP/IP protocol.
11. The system of claim 1, wherein the first server system stores, in the memory, a transaction server component that authorizes a seller to supply an ordered item and obtain payment for the ordered item from a credit processing server.
12. The system of claim 1, wherein the memory of the first server system stores an identity adapter to verify a buyer and seller's identity.
13. The system of claim 1, wherein the memory of the first server system stores an account identification container generator component.
14. The system of claim 1, wherein the digital credential information is retrieved by the user electronic device from a secure token.
19. The method of claim 18, wherein the virtual payment account is a credit-based payment account.
20. The method of claim 18, further comprising determining that the digital credential information is stored on the user electronic device as part of authentication.
21. The method of claim 18, wherein receiving, via the network interface, application data from the user electronic device comprises receiving an electronic application form via a component on the first server system.
22. The method of claim 18, wherein the digital credential information is cryptographically secure.
23. The method of claim 18, wherein the digital credential information is retrieved by the user electronic device from a secure token.
25. The article of manufacture of claim 24, wherein the virtual payment account is a credit-based payment account.
26. The article of manufacture of claim 24, wherein the method further comprises determining that the digital credential information is stored on the user electronic device as part of authentication.
27. The article of manufacture of claim 24, wherein receiving, via the network interface, application data from the user electronic device comprises receiving an electronic application form via a component on the first server system.
28. The article of manufacture of claim 24, wherein the digital credential information is cryptographically secure.
29. The article of manufacture of claim 24, wherein the digital credential information is retrieved by the user electronic device from a secure token.
Unknown
January 10, 2023
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